NJ is no fault state.

https://www.201injury.com/Our-Blog/2018/May/Is-New-Jersey-a-No-Fault-Auto-Insurance-State-.aspx

You should have bought more PIP insurance. 

You can try to talk to personal injury lawyer, but I am not optimistic. 

所有跟帖： 

• 這麽說來出了事沒對方啥事，都得自己保險公司付，所以一定得買最高保險，是吧？ -貼心她媽- ♀ (0 bytes) () 02/01/2019 postreply 15:57:21

• 人身傷害對方不管，汽車修理對方管。 -檸檬椰子汁- ♂ (0 bytes) () 02/01/2019 postreply 16:20:37

• 謝謝科普 -貼心她媽- ♀ (0 bytes) () 02/01/2019 postreply 18:10:51

• 鏈接裏講，“Bodily Injury Liability Coverage”是肇事者付對方的。 -N.- ♀ (0 bytes) () 02/01/2019 postreply 19:48:27

• +1 也看到這句，被撞者人身傷害醫療，由肇事方的保險負責支付。 -pickshell- ♀ (0 bytes) () 02/02/2019 postreply 04:02:31